She Strengthens

A Life in Spreadsheets: Lessons Learned from a Decade of Budgeting

As I reflect on the past decade, I’m struck by the realization that my budgeting spreadsheets have become an unlikely archive of my life’s journey. While my physical appearance may have remained relatively unchanged since my teenage years, my financial self has undergone a remarkable transformation.

The Power of Community

My budgeting journey began with a helping hand from a trusted friend. When I was struggling to navigate my finances after grad school, my boyfriend at the time shared his Google Sheet with me, walking me through his budgeting process with kindness and humility. This early guidance instilled in me the importance of tracking my income and expenses, and I’ve carried these lessons with me ever since.

Automate Your Finances

During a tumultuous period in my life, I neglected my financial tracking, but I had already set up automatic payments to a savings account and retirement fund. These autopilot systems allowed me to continue building my financial health, even when I didn’t have the emotional energy to focus on it. The result? Thousands of dollars earned during a time when I was rebuilding my life.

Spending Patterns Evolve

As I review my past purchases, I’m often surprised by my old spending habits. But I’ve learned that it’s okay to change and adapt. I’ve unsubscribed from promotional emails, avoided impulse buys, and invested in items that will last for years to come. Today, I’m proud of the financial wisdom I’ve gained and the mistakes I’ve learned from.

The Importance of Labels and Attitudes

The names I’ve given my budgeting spreadsheets over the years reveal a telling pattern. When I used negative labels like “Tragic Treasury,” my financial health suffered. But when I adopted more positive names like “Oikonomia” and “For Future Me,” my financial well-being improved. It’s a reminder that our attitudes towards money can have a profound impact on our financial decisions.

Embracing Change and Growth

Today, my budgeting spreadsheets are radically different from when I started using them consistently five years ago. I’ve changed jobs, moved out of the city, and prioritized exercise and therapy to maintain my mental health. While I still need budgeting to spend within my means, I’ve gained the experience and clarity to be more effective with my money management. I’m excited to learn new strategies and continue growing as a financially savvy individual.

A Decade of Lessons Learned

As I look back on my financial journey, I’m grateful for the lessons I’ve learned and the confidence I’ve gained. I hope that by sharing my story, others can learn from my experiences and find inspiration to take control of their own financial lives.